How the Mortgage Process Works
From application to closing, we guide you every step of the way. Here's what to expect when you work with The Chacon Team.
Four Simple Steps to Your New Home
Most loans close in 25-30 days. We keep you informed throughout and handle the heavy lifting so you can focus on your move.
01
Day 1-2
Application
Submit your application online or with our team. We'll gather your financial information and discuss your goals.
- Complete loan application
- Provide income documentation
- Review loan options together
- Get pre-approved
02
Days 3-14
Processing
We verify your information, order the appraisal, and prepare your file for underwriting.
- Document verification
- Property appraisal ordered
- Title search initiated
- Insurance requirements reviewed
03
Days 15-25
Underwriting
The underwriter reviews your complete file and issues final approval. We handle any conditions that arise.
- Full file review
- Conditional approval
- Clear any remaining items
- Final loan approval
04
Days 26-30
Closing
Sign your documents, fund the loan, and get the keys to your new home!
- Final walkthrough
- Sign closing documents
- Loan funding
- Keys handed over!
We're With You Every Step
Regular Updates
You'll never wonder where things stand. We provide regular updates and are always available to answer questions.
Dedicated Support
Work directly with Christian Peter and his team—not a call center. We know your file inside and out.
Problem Solving
Unexpected issues? We've seen it all and know how to find solutions to keep your loan on track.
Documents You'll Need
Don't worry—we'll provide a complete checklist and help you gather everything you need.
How Long Does It Take?
Most loans close in 25-30 days. Here's a typical breakdown:
1-2
Days
Application
10-14
Days
Processing
7-10
Days
Underwriting
Total: 25-30 Days to Close
*Some loans may close faster; complex situations may take longer
Ready to Get Started?
The first step is a conversation. Let's discuss your goals and get you pre-approved so you can shop with confidence.